Wells Fargo Active Cash® Credit Card
The Wells Fargo Active Cash® Card offers unlimited flat-rate cash back, no annual fee, a 0% intro APR period, and valuable perks like cell phone protection and Visa Signature® benefits.
By: Zienic
Unlimited 2% Cash Rewards
Earn an unlimited 2% cash rewards rate on every purchase—no rotating categories or spending caps.
Introductory Bonus Offer
Earn a $200 cash rewards bonus after meeting the initial spending requirement.
0% Intro APR
Enjoy 0% intro APR for 15 months on purchases and qualifying balance transfers, followed by a competitive ongoing APR.
Extra Perks and Protection
Get cell phone protection, Visa Signature® privileges, and zero liability protection for unauthorized purchases.
All About the Wells Fargo Active Cash® Credit Card
The Wells Fargo Active Cash® Credit Card is one of the most straightforward and rewarding cash-back cards available. It offers an unlimited 2% cash rewards rate on every purchase, so you don’t have to track categories or spending limits. That means whether you’re buying groceries, dining out, or shopping online, you’ll always earn consistent rewards. New cardholders can also enjoy a $200 cash rewards bonus after spending $500 in the first three months—a simple, achievable goal for most. Beyond cash back, this card provides additional benefits that make everyday spending more convenient and secure. It includes a 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR. Cardholders also receive cell phone protection (when paying their bill with the card), travel and emergency assistance, and Visa Signature® perks like access to exclusive events and experiences. With no annual fee and flexible redemption options—such as statement credits, direct deposits, or transfers to eligible Wells Fargo accounts—the Wells Fargo Active Cash® Credit Card is a perfect blend of simplicity and value.
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What credit score do I need for the Wells Fargo Active Cash® Credit Card?
You’ll generally need a good to excellent credit score, typically 670 or higher, to qualify.
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Is there an annual fee for the Wells Fargo Active Cash® Credit Card?
No, this card has no annual fee.
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How can I redeem my cash rewards?
You can redeem rewards as a statement credit, direct deposit to a Wells Fargo account, or at ATMs in $20 increments.
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Does the card offer cell phone protection?
Yes, cardholders can receive cell phone protection when they pay their monthly bill with the card.
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Is there an introductory APR period?
Yes, the card offers a 0% intro APR for 15 months on purchases and qualifying balance transfers.
How to Apply for the Wells Fargo Active Cash® Credit Card
Applying for the Wells Fargo Active Cash® Credit Card is quick and can be completed online or at any Wells Fargo branch. To begin, visit the Wells Fargo website and review the card’s details, terms, and conditions. You’ll need to provide basic personal and financial information, such as your Social Security number, employment status, and annual income. This card typically requires good to excellent credit (a FICO® score of around 670 or higher). Once you submit your application, you’ll usually receive an instant decision. Approved applicants will receive their card by mail within 7–10 business days. After activation, you can immediately start earning 2% cash rewards on all purchases. Cardholders are encouraged to use the Wells Fargo Mobile® app to monitor spending, track rewards, and make payments. You can redeem rewards as statement credits, direct deposits to eligible Wells Fargo accounts, or even use them to pay down loans. The application process is designed to be transparent and efficient, allowing you to enjoy the benefits of this powerful cash rewards card right away.